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PAGSPagSeguro Digital Ltd.
$8.90$2.6B
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PAGS logoPagSeguro Digital Ltd.(PAGS)Earnings, Financials & Key Ratios

PAGS•NYSE
$8.90
6.6× P/E·Price updated Jul 7, 2026
SectorTechnologyIndustryInfrastructure SoftwareSub-IndustryPayments and fintech infrastructure
AboutPagSeguro Digital Ltd., together with its subsidiaries, provides financial technology solutions and services for consumers, individual entrepreneurs, micro-merchants, and small and medium-sized companies in Brazil and internationally. The company's products and services include PagSeguro Ecosystem, a digital ecosystem that operates as a closed loop where its clients are able to address their primary day to day financial needs, including receiving and spending funds, and managing and growing their businesses; PagBank digital account, which offers banking services through the PagBank mobile app, as well as centralizes various cash-in options, functionalities, services, and cash-out options in a single ecosystem; and PlugPag, a tool for medium-sized and larger merchants that enables them to connect their point of sale (POS) device directly to their enterprise resource planning software or sales automation system through Bluetooth. It also offers cash-in solutions; online and in-person payment tools; and online gaming and cross-border digital services, as well as issues prepaid, credit, and cash cards. In addition, the company provides functionalities, and value-added services and features, such as purchase protection mechanisms, antifraud platform, account and business management tools, and POS app; and operates an online platform that facilitates peer-to-peer lending. Further, it is involved in processing of back-office solutions, including sales reconciliation, and gateway solutions and services, as well as the capture of credit cards with acquirers and sub acquirers. The company was founded in 2006 and is headquartered in São Paulo, Brazil.Show more
  • Revenue$19.36B+5.6%
  • EBITDA$9.04B+19.9%
  • Net Income$2.08B-1.9%
  • EPS (Diluted)6.96+5.1%
  • Gross Margin50.58%+5.5%
  • EBITDA Margin46.7%+13.5%
  • Operating Margin37.54%+15.5%
  • Net Margin10.73%-7.1%
  • ROE14.18%-6.5%

PAGS Price & Volume

PagSeguro Digital Ltd. (PAGS) stock price & volume — 10-year historical chart

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Margin Resilience Masks Decelerating Revenue Growth Trends

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Decelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Pix-driven margin compression

Key Thesis Takeaways

  • PagSeguro demonstrates operational maturity through a 37.3% operating margin in 2026Q1, yet faces significant headwinds as revenue growth turned negative at -0.4% in the same period.
  • The company's aggressive expansion into credit and prepayment services has ballooned total assets to $74.3B, though this shift introduces heightened leverage risks with a debt-to-equity ratio of 3.19.
  • Investors should monitor the sustainability of capital returns, as the firm continues to prioritize buybacks despite volatile free cash flow performance.

Verdict Logic

while the stock trades at a low 6.74 P/E TTM, the combination of negative revenue growth and a 3.19 debt-to-equity ratio warrants caution regarding long-term solvency and competitive positioning.

PAGS Growth Metrics

PagSeguro Digital Ltd. (PAGS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years40.1%
5 Years23.69%
3 Years8.49%
TTM5.1%

Profit CAGR

10 Years50.39%
5 Years9.96%
3 Years11.34%
TTM-1.05%

EPS CAGR

10 Years48.89%
5 Years12.17%
3 Years15.05%
TTM6.85%

Return on Capital

10 Years52.6%
5 Years47.21%
3 Years26.25%
Last Year25.6%

PAGS Recent Earnings

PagSeguro Digital Ltd. (PAGS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
May 12, 2026
Metric
Actual
Est
EPS
$0.39-2.5%
$0.40
Rev
$962M+1.0%
$953M
Q2 2026
Mar 4, 2026
Metric
Actual
Est
EPS
$0.43+2.4%
$0.42
Rev
$983M+2.7%
$957M
Q4 2025
Nov 12, 2025
Metric
Actual
Est
EPS
$0.36-0.1%
$0.36
Rev
$921M-3.3%
$953M
Q3 2025
Aug 14, 2025
Metric
Actual
Est
EPS
$0.34+9.7%
$0.31
Rev
$900M-3.8%
$936M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 12, 2026
$0.39vs $0.40-2.5%
$962Mvs $953M+1.0%
Q2 2026Mar 4, 2026
$0.43vs $0.42+2.4%
$983Mvs $957M+2.7%
Q4 2025Nov 12, 2025
$0.36vs $0.36-0.1%
$921Mvs $953M-3.3%
Q3 2025Aug 14, 2025
$0.34vs $0.31+9.7%
$900Mvs $936M-3.8%
Based on last 12 quarters of dataView full earnings history →

Latest PAGS News

Recent stock market news and headlines for PagSeguro Digital Ltd. (PAGS)

Seeking Alpha·5 days ago
PagSeguro Digital: Built To Benefit From Brazil's Next Rate-Cutting Cycle

PagSeguro Digital remains a Strong Buy, trading at a deep discount due in part to higher macro headwinds and slowed down Brazilian rate cuts. PAGS delivered Q1 beats on the top and bottom lines, robust buybacks, a 23% YoY deposit increase, and a 36% credit portfolio expansion. Guidance targets 25–35% credit portfolio growth, 9–13% EPS growth, and BRL 1.8–2 billion CAPEX in 2026, with 2029 goals reaffirmed.

Zacks Investment Research·5 days ago
Are Investors Undervaluing PagSeguro Digital (PAGS) Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Zacks Investment Research·5 days ago
Pick These 5 Bargain Stocks With Alluring EV-to-EBITDA Ratios

CVE, FIVN, PAGS, ERO and PARR stand out with attractive EV-to-EBITDA ratios and strong earnings outlooks.

Zacks Investment Research·6 days ago
PAGS or KLAR: Which Is the Better Value Stock Right Now?

Investors with an interest in Financial Transaction Services stocks have likely encountered both PagSeguro Digital Ltd. (PAGS) and Klarna (KLAR).

Zacks Investment Research·Jun 30, 2026
PagSeguro Digital (PAGS) Upgraded to Buy: Here's Why

PagSeguro Digital (PAGS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).

Peers Comparison

Key metrics vs top competitors for PagSeguro Digital Ltd. (PAGS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PAGS logoPAGSPagSeguro Digital Ltd.Current
$8.90$2.57B6.575.57%10.73%14.18%4.44%
STNE logoSTNEStoneCo Ltd.
$10.99$2.67B6.7811.11%30.94%29.03%—
MELI logoMELIMercadoLibre, Inc.
$1813.61$91.94B46.0439.06%6.04%29.58%—
TOST logoTOSTToast, Inc.
$29.61$17.17B52.8824.05%6.39%20.74%—
GPN logoGPNGlobal Payments Inc.
$77.59$18.37B13.31-23.75%-7.99%-2.96%—
FOUR logoFOURShift4 Payments, Inc.
$51.20$3.54B47.4125.5%2.29%5.13%—

Compare PAGS vs Peers

PagSeguro Digital Ltd. (PAGS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs STNE

Most directly comparable listed peer for PAGS.

Scale Benchmark

vs V

Larger-name benchmark to compare PAGS against a more recognizable public peer.

Peer Set

Compare Top 5

vs STNE, MELI, TOST, GPN

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PAGS Frequently Asked Questions

PagSeguro Digital Ltd. (PAGS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is PagSeguro Digital Ltd.'s revenue?

PagSeguro Digital Ltd. (PAGS) reported $19.80B in revenue for fiscal year 2025. This represents a 6011% increase from $324.1M in 2014.

How fast is PagSeguro Digital Ltd. growing?

PagSeguro Digital Ltd. (PAGS) grew revenue by 5.6% over the past year. This is steady growth.

Is PAGS profitable?

Yes, PagSeguro Digital Ltd. (PAGS) is profitable, generating $2.14B in net income for fiscal year 2025 (10.7% net margin).

Dividend & Returns
Does PAGS pay dividends?

Yes, PagSeguro Digital Ltd. (PAGS) pays a dividend with a yield of 4.44%. This makes it attractive for income-focused investors.

What is PAGS's return on equity?

PagSeguro Digital Ltd. (PAGS) has a return on equity (ROE) of 14.2%. This is reasonable for most industries.

What is PagSeguro Digital Ltd.'s free cash flow?

PagSeguro Digital Ltd. (PAGS) generated $359.9M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in PAGS back in 2014?

Total return calculator · dividends reinvested · 12+ years of data

See returns →